Candidly

Senior AI Product Manager

Much

Money management platform helping individuals take control of their finances.

Founder & CEO

Alloy

Senior Solutions Architect

Crew Me Up Inc.

Software Engineer

Brown Brothers Harriman

•	Responsible for onboarding new Foreign Exchange (FX) clients and managing the client 
        onboarding documentation process (approximately 15-25 clients a month)
•	Scoping out required client documentation and establishing line of communication with client  
•	Creating and managing internal approvals for Credit, Risk, and Capacity 
•	Manage documentation request for industry and bespoke FX trading agreements (ISDA, EMIR, 
        CSA, etc.)
•	Responsible for liaising with external clients to manage workflow expectations, scope of 
        documentation, and legal questions
•      Created FX documentation Access database; used as tool to manage workflow and the status 
        of documentation. Creates weekly metrics report for senior management to provide an 
        overview of client volume, revenue, and documentation status

Assistant Vice President - Senior FX Documentation and Onboarding Analyst

•	Responsible for tracking, maintaining, and approving all account opening exceptions
•	Conducted CID (Customer Identification Document) renewal reviews on low, medium, and high risk rated clients (individual, joint accounts, banks, trust, funds, investment advisors, etc.) including CIP documentation review and client verification
•	Responsible for conducting Enhanced Due Diligence (EDD) on all high risk clients and developed guidance for the team on google boolean searches
•	Created KYC-AML Access database as a case management tool for the CID Renewals Team
•	Created adverse news database to track open and escalated adverse news items for the Negative News KYC-AML Group
•	Assist with providing metrics for CID Renewals and common rejection items as it relates to KYC Files
•	Assist with reviewing and approving Patriot Act Certifications and recertifications 
•	Assisted in assessing and revamping QA/QT process for the KYC AML group
•	Assisted with conducting QA/QT for KYC AML (account opening and CID renewals) client files
•	Miscellaneous project assignments (Foreign Financial Institution EDD calls with clients, responding to regulatory request, etc.)

Assistant Vice President- Senior AML/KYC Compliance Analyst

Crowe Horwath LLP

•	Actimize SAM implementation
•	Assisted with transaction monitoring coverage assessment 
•	Developed expected, actual, and manual alert requirements
•	Transaction monitoring customization scoping/ rules and model selection 
•	Assessment of current vs future monitoring with items to consider and risk areas
•	OFAC Sanctions Data Validation and System Implementation 
•	Bridger Insight System Implementation for OFAC Customer Screening
•	Performed data validation gap analysis between source systems, AML functionality and business requirements
•	Assisted with performing data validation for various source systems based on the detailed Extraction, Transformation, and Loading (ETL) data process
•	Responsible for gathering business requirements from client’s senior management and documentation review for various projects

Senior Risk and Compliance Consultant

Morgan Stanley

• Foreign Financial Institution (FFI) project facilitator responsible for conducting and coordinating enhanced due diligence annual reviews for Foreign Financial institutions 

- Managed analyst workflow (annual review analyst assignments and analyst metrics).
- Coordinated FFI region calls, produce region and branch bi-weekly status reports, and provide guidance to Senior Compliance Risk Officers when needed.

- Conducted enhanced due diligence (EDD) reviews on Foreign Financial institutions
   o	Reviews included but were not limited to: Negative media searches, transaction analysis, enhanced due diligence screening, CIP verification and review

• Conducted enhanced due diligence reviews for high risk clients during the account opening process via both internal and external database searches  

• Provided guidance including the assessment of related compliance risks and the identification and interpretation of applicable laws and regulations

• Conducted EDD new account reviews for various high risk client types

• Communicated adverse findings to management with recommendations regarding how to proceed (i.e. further research and/or closing accounts)

Global Anti-Money Laundering & Compliance (KYC/EDD) Manager

Citi

• Interim team lead managing seven analyst 

• Responsible for conducting due diligence reviews on any existing high-risk customer accounts escalated by the Citi Private Wealth Management business sector and CPWM risk advisory group (Negative media searches, CIP documents, EDD screening)

• Responsible for providing guidance to Citi branches and new analyst by assisting with writing policies, procedures, and training new analyst 

• Responsible for responding to information requests regarding brokerage accounts including frozen accounts, lifting account freezes, blocking accounts, and approving account applications.

FIU (KYC/EDD) Intermediate Compliance Officer / Interim Team Lead

Goldman Sachs

Futures Client Services Summer Analyst

Futures Account Management Summer analyst

Experienced technical product founder (Techstars ‘22 Alum) with extensive experience managing end-to-end B2C product lifecycle from concept to delivery, with a focus on iterative design and consumer insights to drive conversion and retention.

INTJ (Architect) personality type.

Featured in: Forbes, Business Insider, Times Next Advisor, Complex News, Cheddar News, Yahoo Finance, Grow + CNBC, Verizon Media- In The Know, Nerdwallet, Popsugar, PBS Online, The Skimm, Her Campus, Parade, Refinery29, New York Post, Rachel Ray Live, & The Today Show with Hoda and Jenna.

Creator of Make Real Cents (74k on Instagram) - Personal finance platform dedicated to teaching individuals how to level up their finances.

Taplio

Carmen Perez (she/her)'s Linkedin Analytics

Carmen Perez (she/her)

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